Reply
Frequent Contributor
isoldmyatlas
Posts: 346
Registered: ‎04-28-2012
0

For those of you with Cap1 credit steps...

My 5th statement with my Cap1 Newcomers Card just cut yesterday, and I paid the balance today.  I'm part of the credit step program that increases my available CL from $500 to $750 after the 5th statement cuts.  The original letter I received said my CL should reflect the bump "by your 7th statement."

 

For those of you in the credit step program with them, did it really take a full 2 months for your available CL to reflect on your account?  Seems like a long time for something that should be easy to change in the system! :smileywink:

TU: 757 (12/14/14) | EQ: 778 (10/7/14) | EX: 770 (10/7/14)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $7,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: For those of you with Cap1 credit steps...

I received the same letter when I opened the card. My limit went up with my 6th statement and was available immediately


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: For those of you with Cap1 credit steps...

That was your final CLI. LMAO CapOne is evil. Once I got that letter...I haven't received another increase.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Frequent Contributor
isoldmyatlas
Posts: 346
Registered: ‎04-28-2012
0

Re: For those of you with Cap1 credit steps...

I know that :smileywink: I just want to know when it will happen!

TU: 757 (12/14/14) | EQ: 778 (10/7/14) | EX: 770 (10/7/14)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $7,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: For those of you with Cap1 credit steps...

I agree, but it served the purpose as a Newcomer to the US. Since Saturday I have a ZYNC in my wallet and once Alliant will give me a CLI (I know hardpull), CapOne will be gone.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: For those of you with Cap1 credit steps...

To concur with what's already been stated, the 6th statement for me on both of my credit step cards had the credit limit increase.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Established Contributor
espnjunkie
Posts: 729
Registered: ‎12-14-2011
0

Re: For those of you with Cap1 credit steps...

Congrats on the CLI. It will be the last one you ever see with that card.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Established Contributor
westo12
Posts: 584
Registered: ‎07-20-2008
0

Re: For those of you with Cap1 credit steps...

How do you get a Cap1 Credit Steps card?

2014 Starting-618, current TU621 (TU 10/20) / Ending Goal score: 720 / 30 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 11169/27232=41%util

**IN the garden until I get some auto CLI's on major accts**
Valued Contributor
Burned2manybridgesB4
Posts: 2,305
Registered: ‎03-15-2012
0

Re: For those of you with Cap1 credit steps...

Any cap one card with an annual fee is most assuredly in the steps program.

RIP: AxHH (11-25-14)

Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: For those of you with Cap1 credit steps...

not always true, after two years with two cards in the steps program i recently called the executive office.  both of my limits were increased to 2k, from 500 and 750

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}